uQ,H moaO;s iólaIKh

uQ,H w;rueÈlrKh
Nd;sh fyÜáwdrÉÑ

Google Classroom

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H moaO;sh
• uQ,H moaO;sh hkq rgl wruqo,a jvd M,odhs f,i Ndú;h" yqjudrej i|yd odhl jk
tlsfkl yd ne÷Kq uQ,H fj<|fmd<j,a" uQ,H wdh;k" uQ,H WmlrK" uQ,H há;,
myiqlï" uQ,H wdrCIK cd,h iy uQ,H kshdulhkaf.ka iukaú; ixlS¾K moaO;shla fõ'

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H moaO;sfha ixrpl
uQ,H fj<|fmd<j,a

Financial
Markets

uQ,H kshdulhka uQ,H WmlrK

Financial
Regulators
Instruments

Financial
System

uQ,H wdrCIK cd,h Financial

Financial
Safety Net
Mechanisms
Institutions uQ,H wdh;k

Financial
Infrastructure

uQ,H há;, myiqlï

Institute of Bankers of Sri Lanka Google Classroom

Institute of Bankers of Sri Lanka Google Classroom
 uQ,H moaO;sh iy tys jeo.;alu

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H moaO;s iólaIKh
mdvï wxl 02

• b;=reï tall iy ysÕ tall

• uQ,H w;rueÈlrKh

• uQ,H w;rueÈlrKfha we;s jeo.;alu

• uQ,H w;rueÈhd isÿlrk ld¾hhka Profit

• uQ,H w;rueÈlrKfha jdis

Institute of Bankers of Sri Lanka 6

Google Classroom
 b;=reï tAll iy ysÕ tAll

• wdodhug jvd úhou wvqùu fyda wdodhï ,eîu iy úhoï lsÍu w;r ld, mr;rhla mej;Su ;=< w;sßla; uqo,a

m%udKhla we;s tall b;=reï tAll f,i ye¢kaúh yel'

• b;=reï tAll j,g ;u w;sßla; uqo,a iqrCIs;j wdfhdackh fldg m%;s,dN ,nd.ekSfï wjYH;djhla mj;S'

Institute of Bankers of Sri Lanka 7

Google Classroom
 b;=reï tAll iy ysÕ tAll
• wdodhug jvd úhou jeäùu fyda wdodhï ,eîu iy úhoï lsÍu w;r ld, mr;rh fya;= fldgf.k wruqo,a

ysÕhla we;s tall ysÕ tall f,i ye¢kaúh yel'

• ysÕ tall j,g mßfNdackh i|yd fyda wdfhdackh i|yd wruqo,a wjYH fõ'

• ysÕ tall j,g ;u wjYH;d bgqlr .ekSu i|yd hï úhoula orñka fyda wruqo,a ,nd.ekSug

wjYH;djhla mj;S’'

Institute of Bankers of Sri Lanka 8

Google Classroom
 b;=reï tAll iy ysÕ tAll
• ysÕ tall j,g wruqo,a ,enqKq úg Tjqyq tu wruqo,a wdfhdackh fldg kj jHdmdr weröug fyda mj;sk jHdmdr ÈhqKq

lsÍug lghq;= lrhs' tuÕska rfÜ ksIamdokh jeä lsÍug lghq;= lrhs'

• tfiau we;eï ysÕ tall tu wruqo,a Ndú;d lrñka ;ukaf.a mßfNdack wjYH;d bgqlr.kakd w;r" tuÕska Tjqkaf.a

Ôjk ;;a;ajh by< kxjd .ekSug lghq;= lrhs'

Consumption

Investment

Excess Units Deficit Units Production

Institute of Bankers of Sri Lanka 9

Google Classroom
 wruqo,a iemhsh yels b;=reï tAllj, wjYH;d

• ;ud úiska imhk uqo,g by<u m%;s,dNhla n,dfmdfrd;a;= fõ ^by<

fmd<shla&'

• by< m%;s,dNhla ,nd.kakd w;ru wjodku wju lr.ekSug o W;aidy

orhs'

• fï i|yd wvq ld,hlg Kh§u" tljr tla mqoa.,fhl=g wvq uqo,la muKla
Khg §u" Kh ,nd§fï§ by< jákdlula we;s iq/l=ula ,nd.ekSu" ;ukag
blauKskau uqo,a lr.; yels iq/l=ï j, wdfhdackh lsÍug fm<öu hkdÈh
olakg ,efí'

• .kqfokq msßjeh wju lr.ekSug W;aidy orhs'

Institute of Bankers of Sri Lanka 10

Google Classroom
 wruqo,a wjYH ysÕ tAllj, wjYH;d
• ,nd.kakd jQ uqo,a j, msßjeh wju lr.ekSu i|yd wvq fmd,shlg
Kh ,nd.ekSug W;aidy lrhs ^wju fmd,sh&'

• Kh jdßlh wvq lr.ksñka jeä kuH;djhla" wvq wjodkula

,nd.ekSu i|yd §¾> ld,Sk Kh n,dfmdfrd;a;= fõ'

• iq/l=ï rys;j fyda wju iq/l=ï ;;a;ajhla hgf;a Kh ,nd.ekSug

W;aidy orhs'

• Kh fokakka úYd, .Kkla l<ukdlrKh lsÍfï wmyiqj ;=<"

úYd, Kh uqo,la tla Kh fokafkl=f.ka ,nd.ekSug W;aidy orhs'

• .kqfokq msßjeh wju lr.ekSug W;aidy orhs'

Institute of Bankers of Sri Lanka 11

Google Classroom
 tlsfklg fkd.e,fmk wjYH;d

w;sßla; tall ysÕ tall

• m%;s,dN $ fmd,sh by<u fmd,sh wju fmd,sh

• m%udKh l=vd Kh uqo,a úYd, Kh uqo,a

• ld,h fláld,Sk Kh È.=ld,Sk Kh

• iq/l=ï by< iq/l=ï wvq fyda iq/l=ï rys; Kh

• msßjeh wju msßjeh wju msßjeh

Institute of Bankers of Sri Lanka 12

Google Classroom
 uQ,H w;rueÈhdf.a wjYH;dj
• tlsfklg fkd.e,fmk wjYH;d we;s ysÕ tall iy b;=reï tall w;r wruqo,a yqjudrej i|yd myiqlï ie,iSug
fomd¾Yjfhau wjYH;d imqrd,sh yels ffjl,ams; l%uhla uQ,H w;rueÈhka úiska ,ndfohs'

• b;=reï tall yd ysÕ tall tlsfkld uqK.eiSug we;s ÿIalr;djhka bj;a fldg wruqo,a yqjudrej i|yd myiqlï
ie,iSug w;rueÈfhl= wjYH fõ'

• b;=reï tall iy ysÕ tall tlsfkld flfrys we;s wúYajdih ksid Rcqj wruqo,a yqjudre lr.ekSug ue<s jk úg
wruqo,a yqjudrej i|yd myiqlï iemhSug úYajdijka; w;rueÈhl= wjYH fõ'

• b;=reï tall iy ysÕ tall fomd¾Yjhgu wjYH úfYaI{ ±kqu ,ndfoñka wruqo,a jvd M,odhS f,i iy wju
wjodkula hgf;a Ndú;hg $ wdfhdackhg myiqlï ie,iSu i|yd uQ,H w;rueÈhl= wjYH fõ'

Institute of Bankers of Sri Lanka 13

Google Classroom
 uQ,H w;rueÈlrKh
• w;sßla; tallj, we;s wruqo,a ysÕ tall fj; .,dhdu i|yd w;sßla; tall iy ysÕ tall w;r isáñka myiqlï
ie,iSu uQ,H w;rueÈlrKh f,i ±laúh yel'

• fuys§ úúO l%u Wmfhda.S lr.ksñka w;sßla; tallj,ska uqo,a /iafldg tajd úúO l%ufõohka Wmfhda.S lr.ksñka
ysÕ tall fj; ,nd§ug uQ,H w;rueÈhd lghq;= lrhs‘'

• wruqo,a /ialsÍu i|yd jehjk úhou ^f.jk fmd,sh& iy wruqo,a wjYH whg ,nd§u uÕska ,nk wdodhu ^,efnk
fmd,sh& uQ,H w;rueÈhdf.a ,dNh fõ'

• uQ,H w;rueÈlrKh uÕska b;=reï wruqo,a jvd;a M,odhS yd ld¾hCIu f,i fhdod.ekSu i|yd wjia:dj ie,fia'

Institute of Bankers of Sri Lanka 14

Google Classroom
 nexl=
w;rueÈhd

wruqo,a wruqo,a

;ekam;= Kh

b;=reï tAll ysÕ tAll

Institute of Bankers of Sri Lanka 15

Google Classroom
 rCIK iud.ï
w;rueÈhd

wruqo,a wruqo,a

jdßl wdfhdackh

b;=reï tAll ysÕ tAll

Institute of Bankers of Sri Lanka 16

Google Classroom
 tall Ndr
w;rueÈhd

wruqo,a wruqo,a

tall wdfhdackh

b;=reï tAll ysÕ tAll

Institute of Bankers of Sri Lanka 17

Google Classroom
 uQ,H w;rueÈlrKh

• uQ,H w;rueÈhl= úiska my; ld¾hhka isÿ lrhs'

 b;=reï talrdYS lsÍu ^aggregation of savings&

 wjodku tla;eka lsÍu ^pooling of risk&

 mßK; ld, mßj¾;kh ^maturity transformation&

 .kqfokq msßjeh wju lsÍu'

Institute of Bankers of Sri Lanka 18

Google Classroom
 b;=reï talrdYS lsÍu
• uQ,H w;rueÈhka úiska b;=reï tall wruqo,a ,nd§ug leu;s ´kEu m%udKhla ,nd.ksñka wruÿ,a /ialsÍug
lghq;= lrhs' fï wkqj b;=reï tallhg ;ukag yels wruqo,a m%udKhla uQ,H w;rueÈhdg ,ndÈh yel'

• úúO m%udKhkaf.ka" úYd, b;=reï tall m%udKhlska uqo,a /ialrk uQ,H w;rueÈhdg úYd, wruqo,la ks¾udKh
fõ'

• fuu úYd, wruqo, Ndú;d lsÍfuka tljr úYd, Kh§fï yelshdj uQ,H w;rueÈhdg we;s fõ'

• fuuÕska jrlg l=vd m%udKhla muKla Kh§fï b;=reï tallj, wjYH;djh;a" tljr úYd, Khla tl ;eklska
,nd.ekSfï ysÕ tallj, wjYH;djhla imqrd,Su isÿ lrhs'

Institute of Bankers of Sri Lanka 19

Google Classroom
 Large Stock of Money

Big Loans

Institute of Bankers of Sri Lanka Google Classroom

 mßK; ld, mßj¾;kh
• flá ld,hlg wruqo,a iemhSug w;sßla; tall j,g we;s wjYH;djh;a" §¾>ld,Sk Kh ,nd.ekSfï ysÕ tallj,g

we;s wjYH;djh;a imqrd,Su i|yd fláld,Sk mßK;shla we;s wruqo,a /iafldg §¾>ld,Sk mßK;shla we;s Kh

,nd§u isÿ lrhs'

• uQ,H w;rueÈhka fuh isÿ lrkafka wêl ixLHd kHdh Ndú;d lrñkah'

• wruqo,a ,ndÿka mqoa.,hka úYd, m%udKhla isák úg ta ish¨ fokd tlajr ;u wruqo,a b,a,d isàfï iïNdú;djh

b;d wvq nj fuys§ Wml,amkh lrhs'

Institute of Bankers of Sri Lanka 21

Google Classroom
 mßK; ld, mßj¾;kh

• tfiau hï wruqo,a m%udKhla bj;a jqjo kj ;ekam;= È.ska È.g ,eîu" ,ndÿka Kh j, jdßl kej; ,eîu" ;sfnk

;ekam;= w¨;a lrñka È.gu mj;ajdf.k hdu ;=< iuia; n,mEu ;=,kh jk nj;a fuys§ Wml,amkh lrhs'

• ta wkqj mj;sk wruqof,ka hï m%udKhla ixÑ; f,i ;ndf.k b;=re fldgi È.=ld,Sk Kh§u i|yd Ndú;d lsÍug

w;rueÈhd lghq;= lrhs'

• fufia ;nd.; hq;= wruqo,a m%udKh miq.sh o;a; úYaf,aIKh lsÍfuka iy mj;sk wd¾Ól ;;a;aj úYaf,aIKh

lsÍfukq;a" ;u w;a±lSï fhdod .ekSfukq;a w;rueÈhd úiska ;SrKh lrkq ,nhs'

Institute of Bankers of Sri Lanka 22

Google Classroom
 New deposits will be placed

People will renew deposits

Loan repayment

Everybody will not withdraw

money at once
Loan money will not be
withdrawn at once

Institute of Bankers of Sri Lanka Google Classroom

 wjodku tla;eka lsÍu

• uQ,H w;rueÈfhl=f.ka f;drj Rcqj Kh ÿka úg Kh meyer yeÍfï iïmQ¾K wjodku Kh fokakd úiska ±ßh
hq;=fõ'

• Kh .ekqïlreg fok Kh uq,H w;rueÈfhl= yryd ,ndÿkafka kï tu Kh ms<sn| wjodku uQ,H w;rueÈhdf.a
;ekam;alrejka ish¨fokd u; me;sÍ hkq we;'

• ta wkqj tla ;ekam;a lrefjl= iïmQ¾K mdvqj ±Ífï wjOdku bj;a jk w;r" tla ;ekam;a lrefjl=g ±Íug isÿjk
mdvqj b;d iq¿ m%udKhla fõ'

Institute of Bankers of Sri Lanka 24

Google Classroom
 600/-
600/-

1,800/-

600/-

600/-
600/-
600/-

Institute of Bankers of Sri Lanka Google Classroom

 wjodku iy uQ,H w;rueÈhdf.a N+ñldj
• uQ,H w;rueÈhka yg úúO j;alï j¾. yryd Kh§u úúOdx.SlrKh lsÍug yelshdj we;' iSñ; wruqo,a m%udKhla we;s ;ks

mqoa.,hl=g fuh isÿ lsÍfï yelshdj b;d wvqh'

• úúOdx.SlrKh l< úg tl j;alï j¾.hlska we;sjk mdvqj ;j;a j;alï j¾.hl ,dNfhka mshjd .ekSug yelshdj ,efí'

ta uÕska mdvqj wju lr.ekSug yelshdj ,efí'

• Kh §fï§ úfYaI{ ±kqu iy jD;a;h

S w;a±lSï fhdod.ekSu uÕska idudkH mqoa.,fhl= Kh fokjg jvd wvq wjodkula

iys;j Kh§ug uQ,H w;rueÈhka yg yelshdj ,efí'

• Kh meyer yeÍu ;=< widudkH mdvqjla ,eîug isÿ jqjfyd;a ;ekam;alrejkag isÿjk ydksh wju lsÍug uQ,H w;rueÈhdf.a

ixÑ; fyda fldgia m%d.aOkh fhdod.; yel'

• uQ,H w;rueÈfhl= iuÕ lghq;= lsÍfï§ ,efnk wdrCIK jevms<sfj<j,a uÕska ydksh wju lr.ekSug yelshdj ,efí

^;ekam;= rCIK l%uh&'

Institute of Bankers of Sri Lanka 26

Google Classroom
 .kqfokq msßjeh wju lsÍu

• b;=reï tall iy ysÕ tall hk fomd¾Yjfhau fmdÿ wjYH;djhla jkafka .kqfokq msßjeh wvq lr.ekSuhs'

• úYd, uQ,H wdh;k mßudkql+, msßueiqï fhdod.ksñka fuu wruqK bgqlr .ekSu i|yd fomd¾Yjhgu Wmldr lrhs'

• mßmd,k msßueiqï" úfYaI{ ±kqu ,nd.ekSfï§ we;s jqK msßueiqï" uQ,H f;dr;=re ,nd.ekSfï§ we;s jk msßueiqï
hkdÈh uÕska fomd¾Yjhgu .kqfokq msßjeh wvq lsÍug uQ,H w;rueÈfhl= lghq;= lrhs'

Institute of Bankers of Sri Lanka 27

Google Classroom
 wjidk Kh fokakd iy wjidk Kh .kakd
• w;rueÈhd Kh f,i ,ndfokafka fjk;a mqoa.,fhl=f.ka Khg .kakd wruqo,a fõ' ta wkqj wjidk Kh fokakd
jkafka uQ,H w;rueÈhdg wruqo,a iemhQ mqoa.,hd fõ' tkï" b;=reï tallh fõ'

• WodyrKhla f,i nexl=jla Kh ÿka úg nexl=j w;rueÈhd f,i Kh fok w;r" nexl=j Kh §ug Ndú;d l<
wruqo,a iemhQ ;ekam;alrejd wjidk Kh fokakd fõ ^b;=reï tallh&'

• b;=reï tall j,ska w;rueÈhka wruqo,a ,nd.;a;o w;rueÈhd úiska tu wruqo,a wjidkfha§ ysÕ tall fj; Kh
f,i ,ndfok w;r tu ysÕ tallh wjidk Kh .kakd f,i ye¢kaúh yel'

• WodyrKhla f,i nexl=jla w;rueÈfhl= f,i ;ekam;a lrejkaf.ka ,nd.kakd uqo,a wjidkfha§ Kh
.ekqïlrejl=g ,nd§u isÿ jk w;r tu Kh .eKqïlrejd wjidk Kh .kakdfõ ^ysÕ tallh&'

Institute of Bankers of Sri Lanka 28

Google Classroom
 nexl=
w;rueÈhd

wruqo,a wruqo,a

;ekam;= Kh
uQ,H WmlrKh uQ,H WmlrKh

b;=reï tAll ysÕ tAll

wjidk Kh fokakd wjidk Kh .kakd

Institute of Bankers of Sri Lanka 29

Google Classroom
 uQ,H w;rueÈlrKh uÕska wjidk Kh fokakdg we;s jdis

• wjidk Kh .kakdg Rcqj Kh fokjdg jvd uQ,H w;rueÈhdg Kh §u ;=< jeä øjYS,;djhla ,nd.; yel'
^WodyrKhla f,i mqoa.,fhl=g Rcqj Kh fokjdg jvd nexl=jl wruqo,a ;ekam;a l< úg wjYH wjia:djl tajd
kej; ,nd.ekSu myiqfõ&'

• uQ,H w;rueÈhka yg Kh §fuka wjodku wju lr.; yel'

• úlsKsh yels iq/l=ïm;a ìyslr .ekSug yelshdj ,efí' w;rueÈhd úlsKsh yels iq/l=ïm;a ksl=;a lrk úg"
iq/l=ïm;a mßK; jk f;la fkdisg tajd oaú;Sl fj<|fmdf<a úl=Kd uqo,a ,nd.ekSug yelshdj ,efí'

• uQ,H w;rueÈhd uÕska iy;sl l< m%;s,dNhla ,nd.ekSug we;s yelshdj ^;ekam;= j,g l,ska ±lajQ iy;sl l<
fmd,shla ,nd§u&'

• uQ,H w;rueÈhdg Kh §fï ;SrKh .ekSu idfmaCIj ir,h' wjidk Kh .kakka fjk fjku we.hSu iy tla tla
wjia:d fjk fjku we.hSug jvd uQ,H w;rueÈfhl=g Kh §u idfmaCIj ir, ;SrKhls'

Institute of Bankers of Sri Lanka 30

Google Classroom
 uQ,H w;rueÈlrKh uÕska wjidk Kh .kakdg we;s jdis

• wjidk Kh fokakd fyj;a b;=reï tallhlska Kh ,nd.kakjdg jvd §¾> ld,hlg uQ,H w;rueÈhl= uÕska Kh
,nd.; yel' ^WodyrKhla f,i nexl=jla ksjdi Khla wjqreÿ oyhla myf<djla jeks §¾> ld,hlg ,ndÿkako
lsisÿ ;ks mqoa.,fhl= wjqreÿ 10l 15l Khla §ug bÈßm;a ùu b;d úr,h&' §¾> ld,hlg Kh ,nd.ekSu ;=< wvq
jdßlhla f.ùug wjia:dj ,nd.; yel'

• wjidk Kh fokakd fyj;a b;=reï tallhlska ,nd.; yels m%udKhg jvd úYd, m%udKfha Kh uqo,la uQ,H
w;rueÈhka yryd tljr ,nd.; yel'

• wjidk Kh fokakkaf.ka Kh ,nd.ekSug W;aidy orKjdg jvd uQ,H w;rueÈhkaf.ka Kh ,nd.ekSu jvd
msßueiqïodhl iy blauka l%ufhls'

• wjidk Kh fokakdf.ka Rcqj Kh ,nd.ekSug W;aidy lrkjdg jvd wvq fmd,shlg uQ,H w;rueÈhkaf.ka Kh
,nd.ekSug yelshdj we;'

• uQ,H w;rueÈfhl=f.ka Kh .;aúg wjYH;djh mßÈ tajd kej; w¨;a lr.ekSug yelshdjla ,efí'

Institute of Bankers of Sri Lanka 31

Google Classroom
 uQ,H w;rueÈlrKh uÕska iuia; iudchg we;sjk jdis

• úfYaI{ ±kqu iy jD;a;Sh w;a±lSï Ndú;d lrñka jvd fyd| we.hSulska hq;=j Kh fok neúka Kh§ug Ndú;d
lrk wruqo,a jvd ld¾hCIu yd M,odhS f,i fhdod.ekSfï wjia:dj jeäh'

• uQ,H w;rueÈfhl=g Kh §fï wjOdku wvq ùu iy uQ,H w;rueÈhl=f.ka Kh .ekSfï§ msßjeh wvqùu ksid Kh
.ekqï iy Kh §u jeä jeäfhka isÿ ùu ^ta wkqj myiqfjka b;=reï wruqo,a /ialsÍu iy wruqo,a wjYH ysÕ tall
fj; wruqo,a .,dhdug ie,eiaùug yelshdj ,eîu&'

• jeä wjodkula ±Ífï yelshdjla uQ,H w;rueÈhkag we;s neúka wjodku jeä jHdmdr j,g mjd uQ,H
w;rueÈhkaf.ka Kh ,nd.ekSug yelshdjla we;' fï ;=< wjodku jeä jHdmdr mjd wd¾Ólhg w.h tl;= lsÍug
tl;= lr.; yel'

Institute of Bankers of Sri Lanka 32

Google Classroom
 uQ,H wdh;k iy uQ,H w;rueÈlrKh
• fndfyda uQ,H wdh;kj, m%Odk;u jHdmdr lghq;a;la jkafka uQ,H w;rueÈlrKfha fh§uhs'

• WodyrK f,i n,m;%,dNS jdKsc nexl= b;=reï tallj,ska ;ekam;= f,i b;=reï wruqo,a /iafldg ysÕ tall j,
úúO wjYH;d i|yd Kh f,i wruqo,a ,nd§u isÿ lrhs'

• tfiau rCIK wdh;k .;aúg jdßl f,i b;=reï tallhkaf.ka wruqo,a /iafldg ysÕ tallhkaf.a wjYH;d i|yd
wdfhdack f,i fyda Kh f,i wruqo,a ,nd§u isÿ lrhs'

• uQ,H wdh;k j,g id¾:lj uQ,H w;rueÈlrKh isÿ lsÍug we;s yelshdj wod< uQ,H wdh;k fj; uyck;dj ;nd
we;s úYajdih u; mokï fõ'

Institute of Bankers of Sri Lanka 33

Google Classroom
 uQ,H w;rueÈlrK jHdmdrh

• Kh §ug fyda iq/l=ïm;a ñ,§ .ekSug fhojQ wruqo,a j,ska ,efnk fmd,S ,eîï ,dNdxY ,eîï iy m%d.aOk ,dN
jeks m%;s,dN uQ,H w;rueÈfhl= ,nk wdodhï f,i ±laúh yel'

• wruqo,a ,nd.ekSu i|yd f.úh hq;= fmd,sh iy fjk;a uqo,a m%jdy" wdh;kh mj;ajd .ekSug jehjk úhoï iy
Kh meyer yeÍu ;=< we;sjk w,dN uQ,H w;rueÈfhl=g ±Íug isÿjk msßjeh f,i ye¢kaúh yel'

• ta wkqj uQ,H w;rueÈlrKfha ,dNh jeä lr.ekSug wdodhu jeä lr.kakd l%u iy msßjeh wju lr.kakd l%u
fj; fhduq úh hq;=h'

Institute of Bankers of Sri Lanka 34

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 uQ,H w;rueÈlrKfha ,dNh j¾Okh lr.; yels l%u

• wruqo,a ,nd.ekSu i|yd f.jkakd jQ fmd,sh iy wruqo,a Kh f,i ,nd§fï§ wh lrk fmd,sh w;r fjki fyj;a
fmd,S wdka;slh jeä lr.ekSug W;aidy ±Íu' ;rÕldÍ fj<|fmd<la ;=< fuh wNsfhda.d;aul lghq;a;la fõ'

• wdh;kh mj;ajd .ekSug hk fufyhqï úhoï wju lr.ekSug W;aidy ±Íu' fï i|yd kj ;dCIKh fhdod.ksñka
ld¾hCIu;djh by< kexúh hq;=h'

• Kh meyer yeÍfuka isÿfjk w,dN wju lr.ekSu i|yd úfYaI{ ±kqula we;s jD;a;Sh ksmqK;ajhla we;s fiajlhka
fhdodf.k Kh wjOdku ksis f,i we.hSï isÿ lr Kh ,nd§u'

• Kh jdßl ksis mßÈ wh lr.ekSu i|yd fyd| miq úmrï l%uhla iy ld¾hCIu Kh whlr .ekSfï l%ufõohla
l%shd;aul lsÍu'

Institute of Bankers of Sri Lanka 35

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 bf.kqï l%shdldrlï
 rgl wd¾Ól j¾Okh i|yd uQ,H w;rueÈlrKh jeo.;a jkafka wehs @

 uQ,H w;rueÈlrKfha fhfok wdh;khlg uyck úYajdih /l.ekSu w;sYhska

jeo.;a jkafka wehs ±hs idlÉPd lrkak'

 uqo,a ;ekam;a lsÍug iy uqo,a Khg .ekSug n,dfmdfrd;a;= jk mqoa.,fhl=g

uQ,H w;rueÈfhl= fj; fhduqùu yryd ,efnk jdis fudkjdo @

 uQ,H w;rueÈfhl= úiska isÿlrk b;=reï talrdYS lsÍu" wjOdku tla;eka

lsÍu iy mßK; ld, mßj¾;kh hk ld¾hhka ms<sn|j fláfhka meyeÈ,s lrkak'

 nexl=jlg uQ,H w;rueÈlrK jHdmdrh yryd ,efnk ,dNh j¾Okh lr.ekSug

.; yels l%shdud¾. lsysmhla idlÉPd lrkak'

Institute of Bankers of Sri Lanka 36

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